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HGV Insurance Becoming Increasingly Important to Businesses

Published: 03/05/10

Heavy goods vehicle insurance, also known as HGV insurance, is becoming increasingly indispensible to companies that rely on these machines as keystones to their business operations. This type of insurance is particularly important because these vehicles face unique challenges and difficulties all their own, given their specialised courses of duty and the extreme mechanical demands of their environments and operation. Officially defined as vehicles weighing over four tonnes.

HGV’s are responsible for the daily transportation of large items and livestock the world over. Insurance of these vehicles is made even more important, and even more complicated, by the fact that the vehicles themselves are very heavy, very expensive, and usually packed full of valuables.

In today’s global marketplace, these vehicles are responsible for successfully and reliably traversing combined totals of hundreds of thousands of kilometres daily, and getting their goods safely to their respective destinations. Any potential disruptions in this constant flow of goods could be financially ruinous to the affected company. For this reason, companies are focusing on properly insuring their heavy goods vehicles to reduce operational costs and lessen the financial impact of any potential disasters.

Because of the advanced nature of these vehicles, drivers being covered under HGV insurance are often subject to stringent requirements, including skills assessments, specialised licensing procedures, and even tougher laws on driving while impaired by drugs and alcohol. Things can quickly become even more complicated for companies that handle materials and goods that are potentially hazardous, corrosive, or explosive.

Though minimal requirements for insuring heavy goods vehicles are more easily met and, in general, more common, companies that depend on their ability to reliably transport and deliver specialised and dangerous substances have little choice but to properly insure their heavy goods vehicles, lest they lose out big time in case of an accident.